Lorain County property record for 118 Westminster Way, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 2016 |
| Lot Size | 0.084 acres (3,679 sqft) |
| Owner | Individual Name on File |
| Last Sale | $188,900 (Sep 2016) |
| Tax Bill | $3,806 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-00-090-000-076 |
| Primary APN | 11-00-090-000-076 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 2,180 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 3,679 sqft (0.084 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 118 WESTMINSTER WAY |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FIELDSTONE LAKES SUB #2 46 X 80 |
| Legal Subdivision | FIELDSTONE LAKES SUB 2 |
| Legal Lot Number | 31 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 91100 |
Source: Lorain County records, as of June 3, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 118 WESTMINSTER WAY, ELYRIA, OH 44035-8970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2016 · Amount on File |
| Deed Sale | Sep 21, 2016 · Amount on File |
| Deed Document Number | 2016601500 |
| Last Transfer Date | Dec 23, 2020 |
| Transfer Doc | 0000796577 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 118 WESTMINSTER WAY, ELYRIA, OH 44035-8970 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | GUARDIAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000848341 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 2021-0848341 |
| Name | FIRST FED SAVINGS & LOAN ASSN OF LORAIN |
|---|---|
| Type | Bank |
| Address | LAKEWOOD, OH 44107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.8% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.8% |
| Index | Other |
| Max Rate | 7.8% |
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,806.00 Homeowner's exemption | $92,270 (+%) Land $22,750 Building $69,520 | $263,620 (-) Land $65,000 Building $198,620 |
| 2024 | $3,806.00 (+10.25%) | $92,267 (+23.36%) Land $22,750 Building $69,517 | $263,620 (+23.36%) Land $65,000 Building $198,620 |
| 2023 | $3,452.00 (+0.32%) | $74,796 (+0.01%) Land $19,023 Building $55,773 | $213,700 (-) Land $54,350 Building $159,350 |
| 2022 | $3,441.00 | $74,790 Land $19,020 Building $55,770 | |
| 2021 | $213,700 Land $54,350 Building $159,350 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2020–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Mar 2023 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELYRIA WATER DEPARTMENT serves 68,000 people · EPA ID OH4700411 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 298 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Breezeline, Verizon.
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